KYC Analyst

About the role Flex is hiring its first KYC Analysts, and you'll help shape a function that's still taking form. This is a net-new function. As one of the first members of the KYC team, you'll own how Flex decides who gets in the door: the gatekeeper for every new account application, and the reviewer whenever an existing account is flagged. You'll report directly to the Head of Financial Crimes, work side by side with the people who built our financial crime program, and have real say in how it grows. Every business owner who opens a Flex account passes through work you do. When an application is rated high or moderate risk, you'll check that the details hold up, collect documentation for every flag, and make the call on whether the customer is safe to onboard. Accuracy and speed both matter, and you'll be the one who figures out how to deliver both at once. The scope here is bigger than a typical analyst role, because the function is still being built. Your first priority will be working through our review backlog and keeping onboarding moving. As you get your footing, you'll have the chance to improve our procedures and help shape how the team operates. This is a strong fit if you have a few years in KYC, onboarding, or customer due diligence and want to grow from running a process into helping design one, with a path into broader program responsibilities as the team grows. What you'll own You'll own KYC decisions at Flex end to end, and over time you'll help shape how the function runs. The function itself. Own onboarding and review decisions from application through approval, and help set the standard for what a strong KYC file looks like here. The process. Improve our procedures as you go: flag what's clunky and help document and simplify it. The queue and its quality. Work the manual-review queue with an eye on both quality and speed, so good customers get onboarded fast and risk gets the scrutiny it deserves. The feedback loop. Spot patterns across the cases you see, bring them to Risk, Operations, and leadership, and help turn them into better detection and faster reviews. What you'll do Make the call on who we onboard Review new applications that our risk rating sends to manual review, and validate answers against documents and public sources Gather documentation for every flag, so each high-risk answer is backed by a valid explanation before we onboard the customer Run KYC and KYB reviews: verify identity documents, and identify beneficial owners and control persons through registry and public records Work flagged accounts after opening, plus periodic refresh and event-driven reviews, and decide whether to clear, request more information, or escalate Identify customers who warrant enhanced due diligence (EDD) and escalate them to supervisory review Investigate and document Research customers using public sources, including adverse media, sanctions lists, and politically exposed person (PEP) databases Resolve screening hits by separating true matches from false positives, and document your reasoning Write case notes so clear and well supported that a reviewer or bank partner can follow your decision without a call Keep accurate, complete records in our case management system Support the program Partner with Support, Risk, and Operations to close open documentation requests and keep onboarding moving Support quality assurance and file reviews, including for our bank partner program Find process gaps and patterns that slow reviews or limit detection coverage, and turn them into simpler procedures Stay current on evolving AML typologies and regulatory guidance, and bring what you learn back to the team What we're looking for You're comfortable with ambiguity, make sound business decisions with incomplete information, and want to help bring order to a function that's still taking shape. You have 1–3+ years in KYC, customer due diligence, onboarding, or a related financial crimes role at a financial institution, fintech, or payments company, with exposure to business (KYB) onboarding or BaaS program compliance Working knowledge of KYC/CDD requirements and BSA/AML obligations Experience researching entities and individuals from public sources, and screening for adverse media, sanctions, and PEP exposure, using KYC or screening tools (for example, Sardine, Alloy, Unit21, or similar) Strong written communication: you can explain a risk decision in plain language and summarize complex findings concisely High attention to detail and real comfort with ambiguous or incomplete information The ability to manage a queue, juggle multiple priorities, and prioritize well A growth mindset and a self-driven approach: you don't wait to be handed the next problem, and when you see a clunky step you fix it and write down the better way Bonus points CAMS or another AML certification, completed or in progress